CREDIT

RESPONSIBILITIES

• Keep checking amount minimum (debit card has to be over 300)

MAXIMUM LINE OF CREDIT

• Credit 1000

RESTRICTIONS

• Can't pull out cash with credit because it isn't a debt

DAYS AFTER BILLING WITHOUT BEING CHARGED INTEREST

• 3days between statement payments due date (can pay off anytime)

MINIMUM MOTHLY PAYMENT

• 25$ minimum monthly payment

INTEREST RATE ON PURCHASE

• Yearly fee of 8$ for maintenance

BANK DETERMINE CHARGING INTEREST

• Interest charged on late payment add interest until payoff

ANNUAL FEE FOR CREDIT CARD

• 18$ or 21% of daily balance and days in billing cycle.

LATE CHARGE

• Charge 25$ latefee

MONTHLY STATEMENT

• Payment info account summary and transactions interest charge

FINANCE COMPUTED

• Sum of day balances divided by sum of days in billing cycle

OTHER FEES

• Total interest rate,total fee,late fee

LOST CARD

• Go to bank call or report card cancel and you get new one

LOST CARD LIABILITY OF CARD HOLDER

• Liability is cancel card if not someone can use without permission

ADVANTAGES OF GOLD/PLAT

• Cash back on purchase earn free flights.(gold)
• Cash back and more luxury travel(plat)

WHICH IS BETTER

• Depending on the situation if you travel a lot then plat is good. But if you don't gold is good